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Time is up. Well, almost up. Most of the 2015 updates to the Home Mortgage Disclosure Act rule take effect in January 2018. But despite the looming deadline, many questions about HMDA remain unanswered. This is part one of a 10-part series on your top 10 HMDA questions.

Movement Mortgage overcharged more than 1,000 mortgage borrowers and operated in the state of California without a license, the California Department of Business Oversight said on Monday. The CDBO announced Monday that it reached a $1.1 million settlement with Movement Mortgage to resolve the allegations.

LoanLogics announced it recently promoted 2016 HousingWire Vanguard award winner Craig Riddell to executive vice president and chief business officer. Company leadership explained, “Craig knows our customers better than anybody at LoanLogics and his contributions to our growth as a company have been invaluable.”

As the holiday season grows closer, the GSEs made it just a little less stressful for families close to losing their home, by announcing families would be able to stay in their homes through the holidays. Although legal and administrative proceedings for evictions can continue, families will still be allowed to remain in the home.

Technology has been transforming our society and an incredibly rapid pace. A smartphone has comparable computing power than all of the NASA computers that sent a man to the moon. And smart phones are now used by over 200 million people. Despite this rapid adoption in nearly every aspect of our life, for some reason community Associations struggle with technology. Oddly, you just don’t see much technology in Condo Associations. Read the article………………

Forest City, the master developer of the Stapleton community, recently made a change, quietly and without fanfare. The company took down the word “Stapleton” from the signage around the shopping center at East 29th Avenue and Quebec Street. Now it’s just E. 29th Avenue Town Center.

In an interview, Forest City Stapleton Vice President Tom Gleason downplayed the significance of the change and cast it as part of a natural evolution.

“As the town center became more established, we felt it didn’t need the name,” he said.

For some people, Stapleton has never been just a name, but any movement to formally change the name of the community that’s been built on the site of Denver’s old municipal airport — an airport that was named after the mayor who helped develop it, who was a member of the Ku Klux Klan and installed Klan members throughout city government — has proceeded in fits and starts. Read the article………………

A fire broke out at a Daryl Court condominium early Sunday, causing it and a adjacent condo to flood, police said. Police responded to a report of a flood the condo at 2:35 a.m., said Chief Dean Ackermann. The resident reported that water was entering their unit from the unit next door. Read the article………………

Every week, it seems like there’s another example of people (or companies) going to extremes to secure housing in the Bay Area. Earlier this year, Facebook and Google both announced plans to help build new, affordable housing in Silicon Valley. And now, LinkedIn is joining in too. All that, and more, in your Monday Morning Cup of Coffee.

Many condominium associations have rules regarding pets. Some associations place restrictions on the type, breed and number of pets, and some impose limitations on the weight and size of pets. Some associations prohibit pets altogether. These types of pet rules are enforceable, except when a pet is considered an “assistance animal” to a person with a “disability” under fair housing laws. When faced with a request for an assistance animal, the board is put in a difficult position. On the one hand, board members often feel compassion and have a desire to help their fellow neighbor. On the other hand, other owners often purchase in a condominium with pet restrictions due to pet allergies, fear of animals or for cleanliness purposes. The board must balance enforcement of the association’s governing documents while staying in compliance with state and federal law. Not an easy task! Read the article………………

Jobs increased in line with experts expectations and above the average 2017 pace. Experts agree the report secures a December rate hike, but disagree on construction jobs, and their impact on the housing market.